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  1. General Chat
    ...I'm so excited!!! With DH's stakeholder cheque and income tax money coming in within the next couple months, we're going to have a full $1,000 EF, bought a bunk bed for our girls and paid off almost all of our debt!!!!! With more work and focus on our debt for the few months after that...
  2. General Chat
    My final expenses for groceries for 2 adults for 2009.... I budgeted $2,600.00 ($50/week) and spent $2,517.19. I will be buying wheat (200-pounds) with the $82.81 remaining from 2009, so should come close to zeroing out for the year. We've had too much snow/mud to make the trip to the mill...
  3. General Chat
    I have to remind myself how lucky I am. Getting discouraged because my debt is not disappearing at the speed in which I would like is doing me no good. I am one of the lucky ones. - I make all payments on time and add a little to each. - I have plenty of food in the house. - My kids and dh...
  4. General Chat
    I am kind of new here but am inspired by everyone's frugal idea's and the way they work hard to get ahead and pay off bills. I started this with the intention of doing the same. Unexpectedly I got a modest inheritance from my dad's brother. (I didn't expect to be in the will) with one swoop I...
  5. General Chat
    Well I obviously found my new home, FV. I just noticed my post count is at 1000 which isn't a lot but I've only been a regular poster since September and when I did come back home I only had a few posts. I did spend time on another forum(4 years) and my post count here is catching up rather...
  6. Debt Reduction & Money Management
    Ok so this pay period I'm doing a budget and so far its working great!! Just curious .. we had to make a return tonight (it was a gift) and we were given a $28 gift card. We purchased a couple bike helmets for the kids with the money. Do I add the gift card to my income and then put the...
  7. General Chat
    Can you believe it! 41 days until SPRING...... After what seems like a long winter season we are finally getting closer. Even with 6 more weeks of winter, spring is only 41 days away! I am dreaming of warm weather, warmth of the sunshine, longer daylight hours, and flowers and gardens...
  8. Education
    We live in MO and are required to have 1000 hours of instruction from July 1- June 30 of a calendar year. At least 600 of that 1000 must be in core subjects and at least 400 of those 600 must take place at home. This is a pretty simple and straightforward requirement BUT my dd has just decided...
  9. Freebies
    http://marthababysteps.com/reqform.php
  10. Debt Reduction & Money Management
    I do family childcare more than half my group turned school age so I have to replace them and the income.... I replaced 2.... well it only lasted 3 weeks and mom decided she could not make enough money to pay for childcare..... yes we told her that it will be good for her and the kids she is...
  11. News you can use
    Make your credit card complaints count If you've ever had your interest rate jacked up on your credit card, it's your turn to gripe. Here are top tips on how to make your complaints count.
  12. General Chat
    We're getting sooooo close. BF has gone to get trailer hitch ball changed to right size, wiring is on van, 99% of boxes are packed and ready to be loaded onto trailer. I've got butterflies in my stomach. I'm nervous and excited all balled up into one!! Moving like this is all new to me...
  13. Question and Answer
    Ok, so I've couponed, refunded, and price matched and mystery shopped for years..but you gals have taken me to the next level (and my dh too, he's totally on board!!). What do you count as a "no spend day?" Is it just no "extra spending - you know coffee, or pop while you are out kind of...
  14. General Chat
    I am really getting excited......... Wensday is just around the corner My girl Tracy has it all planed out..... Even where the nearest hospital is. Her husband is so afraid I won't come.... I'm packing now. I'm coming. :bolt: There is only one thing I am scared about. Its been 30 years since I...
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